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Motor trade insurance through Allianz
Motor trade insurance (garageverzekering) exists because a garage business spends all day driving vehicles that do not belong to it: customer cars, part-exchanges and trading stock, each with its own liability and own-damage question.
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Deze pagina in het Nederlands: Garageverzekering via Allianz.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Motor trade insurance is a combined policy for the motor trade. First and foremost it arranges third-party liability for every vehicle you have in use: the cover that Article 2 of the Dutch Motor Insurance Liability Act (WAM) makes compulsory as soon as a motor vehicle is used on the road. Test drives, collection and delivery services and driving on trade plates all fall under it.
It also includes care, custody and control cover : damage to customers' cars while they are in your workshop, on the ramp or on your premises. An ordinary public and employers' liability insurance specifically excludes such property; that is precisely why this product exists.
The third layer is your your own trading stock and the question of whether it is insured against fire, theft and hail while it stands outside. We match the care, custody and control limit to the value of the most expensive car that can be on your premises at any one time, and to how full your yard is at the weekend.
Motor trade insurance through Allianz: what is covered?
The structure of the cover in three parts, with an overview per situation below.
What we do
From assessment to policy.
- Matching cover to your work
- Conditions side by side
- Switching, including cancellation
In the event of a claim
What really matters.
- Notification and guidance
- Assessing a rejection
- Objection where necessary
What is covered
| What we look at | Explanation |
|---|---|
| Does the cover suit your activities | Yes |
| Sum insured and excess | Yes |
| Exclusions and clauses | Yes |
| Fit with your other policies | Yes |
| Premium in relation to the conditions | Yes |
| Comparing on premium alone | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The care, custody and control limit must match your most expensive customer car
What goes wrong in the workshop goes wrong to a vehicle in your care: a car that rolls off the ramp, a door that swings into a pillar, a fire that spreads from a charging point. The care, custody and control limit is the maximum per event. If you work on young lease cars, electric models or prestige makes, a standard limit is quickly too low, particularly if several vehicles are on site at once.
Trade plates and test drives
Driving on trade plates is only permitted within the applicable rules and by people who are authorised to do so. If you let a customer take a test drive alone, check whether the policy allows this and what conditions apply as to driving licence, supervision and duration. If someone drives without valid authorisation, the injured third party remains protected under the WAM, but the insurer can recover the payment from you.
Your stock often stands outside and unattended
Used cars on the outdoor forecourt carry most of their risk at night and at weekends: theft, catalytic converter theft, vandalism, hail and storm damage. Own-damage cover for trading stock therefore almost always comes with prevention conditions on fencing, lighting, camera surveillance and where the keys are kept overnight. Keys in an unsecured cabinet in the showroom is a classic reason for a theft claim to be declined.
What the policy does not pay
Not covered is the redoing of your own repair: if the clutch you fitted fails, you pay for the new clutch and the labour yourself, while consequential damage to the rest of the vehicle may well be covered. Also excluded are taking part in competitions and speed trials, misappropriation of a vehicle by a customer using false papers, and damage arising from tuning or chip tuning outside your described activities.
What does your premium depend on?
- Described business activities — Servicing and MOT testing are assessed differently from accident repair, paint work, tyre services or tuning.
- Number of trade plates — Every set of plates represents simultaneous road use and counts directly towards the liability premium.
- Level of the care, custody and control limit — The limit for customers' vehicles in your care is the single most expensive choice within this policy.
- Value of the trading stock — The average stock value and the share kept outside determine the own-damage premium.
- Security of the premises and the grounds — Fencing, lighting, an alarm and certified key management affect acceptance and premium.
- Working on electric vehicles — High-voltage work and charging infrastructure require demonstrably trained staff and separate fire precautions.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Why is public and employers' liability insurance not enough for my garage?
For two reasons. The AVB excludes damage caused with or by a motor vehicle, and for a garage business that is the heart of the work. It also excludes damage to property in your care, while customers' cars are on your premises every day. Motor trade insurance settles exactly those two points in one policy, including the compulsory WAM cover.
Is my customer's car insured while it is with me?
For road accident damage during a journey you make, this runs through the liability section of the motor trade policy. For damage arising on your premises or in the workshop, the care, custody and control cover is decisive. Your customer's own comprehensive cover may respond, but it does not always pay out for damage caused by a third party during work, and it will then seek recovery from you.
What happens if a customer causes an accident in a test drive car?
The injured third party is protected in any event, because the WAM gives them a direct claim against the insurer. The next question is whether the journey fell within your policy conditions: authorised driver, valid driving licence, permitted duration and territory. If it did not, the insurer can recover the amount paid from you or from the driver. Record test drives in writing for that reason.
Are customers' cars in winter storage covered as well?
Only if storage is a described activity on your policy. Keeping vehicles outside a repair or sales context is assessed separately, because the risk then exists for a long period without any work being done. Additional requirements usually apply as to the fire safety of the space, the number of vehicles and how keys are stored. Notify this activity in advance; it cannot be read into the policy afterwards.
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.